Lifetime Mortgage Roll Up Interest

Retirement Mortgage Roll Up
  • Release-tax free equity from your house
  • Use the money to help your family
  • Are you still paying a mortgage? No problems
  • Continue to stay in your house
  • It can be a vehicle to reduce tax bills
  • No brokers fees

If you don’t want a lifetime mortgage or equity release, and want a regular interest-only mortgage at 3.97%, regardless of your age, please Click Here


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Not interested in equity release? Do you want a conventional interest-only mortgage at 3.97%, regardless of age? Please Click Here

equity release
  • Free No Obligation Quote

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interest only lifetime mortgage

Aviva Lifetime Mortgages

Crown

One Family Retirement Mortgages

UK Equity Release Lenders

  • the Telegraph
  • One Family
  • the Telegraph
  • Stepchange
  • Aviva Equity Release
  • Liverpool Victoria LV Equity Release
  • More2Life Flexi Choice Drawdown Lite Plan
  • NatWest Equity Release
  • Royal Bank of Scotland Equity Release Plans
  • Canada Life Interest Select Gold Flexi
  • L&G Legal & General Flexible Max Plus
  • TSB Lifetime Interest Only Mortgage
  • Royal Bank of Scotland Equity Release Plans
  • Saga home reversion plan
  • Age Partnership Equity Release
  • Aviva Lifestyle Flexible Option
  • Bridgewater Lifetime Mortgage
  • Just Retirement Interest Only Lifetime Mortgage
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Liverpool Victoria LV Equity Release
  • Nationwide Equity Release Plans
  • Saga Equity Release Schemes
  • Aviva Lifetime Mortgages for Pensioners
  • Canada Life Lifetime Mortgage
  • HSBC Equity Release
  • Royal Bank of Scotland Equity Release

It’s very common to discover individuals seeking out monthly payment equity releases, lump sum lifetime mortgages, or lifetime mortgages with flexible drawdown cash releases. However, the Telegraph, like AIG Life, is keen to see proof of your personal situation through pension statements.

Drawbacks of Equity Release Plans

The monthly payments for a lifetime mortgage can reduce your estate value. Home reversion schemes may impact the ability to claim benefits. You may need to pay a broker’s fee, and some products may expose you to changes in interest rates.

Areas of the UK where equity release is routine

  • Patchway
  • Marazion
  • Salcombe
  • Minster
  • Midsomer Norton
  • Rye
  • Polegate
  • Louth
  • Shildon
  • Plympton
  • Midhurst
  • Ipswich
  • Westbury
  • Southwick
  • Southall
  • Middleton

The first and second charge lenders will want to know if the property is a Freehold house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenant.

Legal & General Home Finance lifetime mortgage

Pensioner Mortgage Roll Up

More2Life - Tailored Choice Plan
Hodge Lifetime - Flexible Repayment Plan - NO Early Repayment Charges
Legal & General - Premier Flexible Black
Hodge Lifetime lifetime mortgage
More2Life - Capital Choice Plan
OneFamily lifetime mortgage
Legal & General Home Finance lifetime mortgage

Interest Only Lifetime Mortgages Roll-Up

Hodge Lifetime - Lump Sum Lifetime Mortgage

Wealthy business owners who could benefit from equity release tax planning

  • Other professional, scientific and technical activities n e c Edgware
  • Manufacture of other carpets and rugs Ingleby Barwick
  • Other residential care activities n e c Farnborough
  • Sale of other motor vehicles Poole
  • Manufacture of fasteners and screw machine products Honiton
  • Activities of venture and development capital companies Heathfield
  • Manufacture of telegraph and telephone apparatus and equipment Hadleigh
  • Renting and leasing of office machinery and equipment, including computers Wimborne Minster
  • Disinfecting and exterminating services Cranbrook
  • Manufacture of bicycles and invalid carriages East Cowes
  • Treatment and coating of metals Epsom and Ewell
  • Manufacture of soft furnishings Chertsey
  • Retail sale of audio and video equipment in specialised stores in Leyburn
  • Barristers at Law Grays
  • Other service activities n e c Leyland
  • Manufacture of other electronic and electric wires and cables Wetherby
  • Wholesale of other food, including fish, crustaceans and molluscs Ashford
  • Manufacture of office machinery and equipment except computers and peripheral equipment Colyton
  • Wholesale of chemical products Chudleigh
  • Manufacture of prepared feeds for farm animals Wadebridge
  • Publishing of learned journals Hayes
  • Furnace and chimney cleaning services Mablethorpe and Sutton
  • Retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores Wells-next-the-Sea
  • Construction of domestic buildings Craven Arms
Interest Only Lifetime Mortgages Scotland in 2025

How much is it expected to release from a home

The older you are and the sicker you are, the more money you can release.

Equity Release LTV

  • 50% lifetime mortgage with flexible drawdown cash release Maximum cover Equity Release
  • 50% loan to value interest-only lifetime mortgages Legal and General
  • 34.22% loan to value monthly payment life time mortgage Optimum Credit
  • 30% loan to value monthly payment lifetime mortgage West Bromwich Building Society
  • 24.22% LTV monthly payment lifetime mortgage Secure Trust Bank
Bad Credit Mortgages Newcastle Building Society in 2025

Hard-to-mortgage property variants can include properties where proposed building works have not yet commenced, properties where the ownership is set up on a tenancy in common basis, feuhold/freehold properties (including flats) in Scotland, commonhold properties and properties with leased solar panels.

Some of the most common retirement finance offerings include Lloyds Bank lifetime mortgages, HSBC mortgages for those over 70, NatWest help-to-buy for those over 60s, Legal and General later life interest-only mortgages for over 70, and Nationwide Building Society later life interest-only mortgages for over 60.

Difficult-to-finance home variants include Timber-framed properties constructed after 1965, timber-framed properties built between 1920 and 1965, properties with a minimum floor area of 30 square metres, coach houses, i.e. freehold properties with garages beneath, and basement or lower ground-floor flats without level access to private or communal garden space.

Some of the most popular loan-to-value percentage ratios for TSB remortgages for people over 50, Barclays Bank mortgages over 65, Post Office mortgages for 60 plus, Legal and General equity release plans for people over 60, RBS later life interest-only mortgages over 70, and Nationwide later life interest-only mortgages over 75 are 44.22%, 60%, and 64.22%.

Tough-to-finance property titles include grade ll Listed houses (grade C in Scotland and B2 in Northern Ireland), properties with grounds over five acres, grades l and ll* Listed Buildings in England & Wales (Grades A and B in Scotland; A, B+ and B1 in Northern Ireland), properties that are being used for personal commercial use and properties adversely affected by existing or proposed issues including roads, rail, airports, power plants, power lines/pylons, wind turbines, substations, sewage works, quarries, fuel stations, refuse sites, sports grounds, noise, light or environmental pollution.

Challenging mortgage home variants can include properties that will be assessed for flood risk, properties without a kitchen or bathroom, some properties with sitting tenants or regulated tenancies, corrugated iron construction, and concrete frames.

How much can I release?

You can release 64.22% of your home’s value. For example, if your house is valued at £280,000, you can borrow £182,000.